I understand that the accounts that can
be accessed by me are those which my name and social security number are
listed first (primary). After Citizens National Bank has reviewed my
application for CNB Online, an e-mail will be sent within ten (10) days
assigning my user ID and temporary password, I also understand that it may
take up to 21 days for the bill payment function to be operational. In
order to identify me if I telephone the bank to request my password be reset
for any reason, I will provide the following two code words:

Mothers Maiden Name:

Favorite Hobby:

By signing this application, I
understand that all of the rules and regulations for deposit accounts
previously disclosed to me by Citizens National Bank remain in effect.